Bad faith is the unfair denial or handling of an insurance claim. That means that when someone is wrongfully denied benefits, paid benefits under the wrong provision of their policy, or the company takes an unreasonably long time in making a determination on the claim, the insured has grounds to bring a bad faith claim against their insurer.
When a client comes to us with one of the scenarios described above, or any of the others that would give rise to a cause of action for bad faith, we help the client stand up to their company and demand what is owed to them. In order to do this we use the full might of the law as well as engaging the insurance company directly in negotiations in order to resolve the dispute as quickly as possible. At Ray Bourhis Associates, we do not waste time haggling over the claim with low level personnel at the insurance company; we use our networks, developed by years of experience, in order to talk to the people with the authority to settle the case quickly and for the fair value. We never undersettle.
We are successful in achieving speedy resolutions to our cases because we understand how insurance companies operate and we have the ability and expertise to delve into the details of a client’s disability, their occupation, as well as the specifics of their individual situation. As a result, we are able to advocate for the client in whatever manner they require: in settlement negotiations, in the courtroom, or in an appeal letter to make sure they obtain the benefits they deserve.